Debt Protection.
How much do I/we currently owe and what will happen to my/our debt should death or disability strike?
Where will our income come from?

In the event of death or complete disablement the solution would be to use a term life and complete disablement policy structured to retire all your current debt. Income replacement and trauma cover provide further protection should the income earner be unable to work for a period of time to ensure the continuity of payment of any mortgages or term loans.

These policies are tailored to individual circumstances, so contact us for more information.

Survivor/Family Income.
What are the ongoing income requirements for a family should a premature death or disability occur?

In the event of death or complete disablement the solution is sufficient term life and complete disablement cover to provide the surviving family to continue their current lifestyle. In other words for the family to be able to continue financially without the pressure of not knowing where their income will be coming from.

Let the team at Bassett-Smith Insurance assist your with your Personal Insurance needs today

If you are unable to work as a result of a serious illness or accident, continuity of income needs to be maintained and this would normally be covered by a combination of income replacement and trauma cover.

Retirement.
What effect would a premature death or disability have on your plans to fund your retirement needs?

Funding requirements and plans for retirement could be at serious risk in the event of a premature death or disability, particularly for a single income family. Term life, complete disablement, income protection and trauma cover all provide security if the unforeseen happens.

We can help you assess your retirement needs and how to be sure you achieve them.

Let the team from Bassett-Smith Insurance assist you with your Personal Insurance needs.